Roma Finance completes £3.6 million bridging loan

By Bridging Loan Directory 11th February 2025

Roma Finance, the Manchester based specialist property lender, has successfully completed its largest transaction, a £3.6 million bridging loan.

This landmark deal, secured in partnership with YB Financial Advisory Ltd (YBFA), was completed within a tight time frame and overcame significant challenges, demonstrating Roma’s agility and commitment to delivering tailored financial solutions.

The 12-month bridge, which involves 13 securities across the UK (10 in the North and three in the South), was issued at 70% Loan-to-Value.

It was structured to enable the borrower to de-leverage their portfolio and avoid significant renewal fees as well as providing crucial breathing space for the customer to plan an exit without unnecessary financial pressure.

“This deal is a testament to the flexibility, resilience and problem-solving capabilities of our team, and we are delighted with the outcome.” said Michael Allison, Commercial Director at Roma Finance.

“YBFA’s values align perfectly with our borrower first approach to lending, and their in-depth knowledge of their customer allowed them to effectively articulate the situation and requirements.

As with any transaction, there were several challenges, specifically around valuation that materialised during the application, but our relationship meant we were able to navigate the changes and engineer a tailored solution using our RomaFLOW product range whilst adhering to the target completion date.

Jake Richardson from YBFA also commented on the deal, saying:

“Working with Roma Finance on this complex transaction was an exceptional experience.

We share a proactive approach, problem-solving mindset, and dedication to getting the deal over the line which ultimately ensured a successful outcome for the borrower.

Being able to navigate these challenges with like-minded people is what makes us tick and Roma’s ability to do this efficiently made all the difference in securing this bridge within the short timescales.”

Legal partners were Kuits Solicitors and Harrison Drury Solicitors.